Dayton Deal Analysis
Let's look at deal analysis for Dayton, OH and for 
32 10 20% Down Rental Properties (no Owner-Occupant).
The analysis is based on The World's Greatest Real Estate Deal Analysis Spreadsheet™ (shown above)... a free spreadsheet download you can use to analyze your own deals.
Typical 20% Down Payment Dayton, Ohio Rental Property
|
Typical 20% Down Payment Dayton, Ohio Rental Property
|
|
Purchase Inputs
|
|
|
Percents
|
Dollars/#
|
|
ARV
|
|
$94,870
|
|
Purchase Price
|
|
$94,870
|
|
Seller Concessions
|
—
|
$0
|
|
Down Payment
|
20.000%
|
$18,974
|
|
Closing Costs
|
1.000%
|
$949
|
|
Rent Ready Costs
|
|
$0
|
|
Cumulative Negative Cash Flow
|
|
$0
|
|
Total Invested
|
|
$19,923
|
|
Mortgage
|
|
Mortgage Amount
|
|
$75,896
|
|
Mortgage Interest Rate
|
7.000%
|
|
|
Loan Term
|
|
360
|
|
Private Mortgage Insurance
|
0%
|
$0
|
|
Drop PMI LTV
|
0.000%
|
|
|
Income
|
|
Monthly Rent
|
|
$1,208
$1207.50
|
|
Other Income
|
|
$0
|
|
Annual Expenses
|
|
Vacancy Rate
|
3.000%
|
$435
|
|
Property Taxes
|
2.450%
|
$2,324
|
|
Property Insurance
|
0.693%
|
$657
|
|
HOA Dues
|
|
$0
|
|
Utilities
|
|
$0
|
|
Other Expenses 1
|
|
$0
|
|
Other Expenses 2
|
|
$0
|
|
Maintenance
|
10.000%
|
|
|
CapEx
|
|
$0
|
|
Management
|
0.000%
|
|
|
Depreciation Details
|
|
Land Value
|
15.000%
|
$14,231
|
|
Property Type (C or R)
|
R
|
27.5
|
|
Effective Income Tax Rate
|
15.000%
|
|
| Property Value |
1 |
2 |
3 |
4 |
5 |
| ARV at End of Year |
$97,716 |
$100,648 |
$103,667 |
$106,777 |
$109,980 |
| Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Appreciation Dollar |
$2,846 |
$2,931 |
$3,019 |
$3,110 |
$3,203 |
| Monthly Income |
1 |
2 |
3 |
4 |
5 |
| Rent Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Rent |
$1,208 |
$1,244 |
$1,281 |
$1,319 |
$1,359 |
| Monthly Other Income Appreciation Rate |
|
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Monthly Gross Potential Income |
$1,208 |
$1,244 |
$1,281 |
$1,319 |
$1,359 |
| Vacancy Percent |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Monthly Vacancy Dollar |
$36 |
$37 |
$38 |
$40 |
$41 |
| Monthly Gross Operating Income |
$1,171 |
$1,206 |
$1,243 |
$1,280 |
$1,318 |
| Annual Income |
1 |
2 |
3 |
4 |
5 |
| Annual Rent |
$14,490 |
$14,925 |
$15,372 |
$15,834 |
$16,309 |
| Annual Other Income |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Gross Potential Income |
$14,490 |
$14,925 |
$15,372 |
$15,834 |
$16,309 |
| Annual Vacancy Dollar |
$435 |
$448 |
$461 |
$475 |
$489 |
| Annual Gross Operating Income |
$14,055 |
$14,477 |
$14,911 |
$15,359 |
$15,819 |
| Annual Expenses |
1 |
2 |
3 |
4 |
5 |
| Property Taxes Percent |
2.450% |
2.450% |
2.450% |
2.450% |
2.450% |
| Property Taxes Dollar |
$2,324 |
$2,394 |
$2,466 |
$2,540 |
$2,616 |
| Insurance Percent |
0.693% |
0.693% |
0.693% |
0.693% |
0.693% |
| Insurance Dollar |
$657 |
$677 |
$697 |
$718 |
$740 |
| HOA Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| HOA Dues Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Utilities Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Utilities Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Other Expense 1 Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Other Expense 1 Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Other Expense 2 Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| Other Expense 2 Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Maintenance Percent |
10.000% |
10.000% |
10.000% |
10.000% |
10.000% |
| Maintenance Dollar |
$1,406 |
$1,448 |
$1,491 |
$1,536 |
$1,582 |
| CapEx Appreciation Rate |
3.000% |
3.000% |
3.000% |
3.000% |
3.000% |
| CapEx Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Property Management Percent |
0.000% |
0.000% |
0.000% |
0.000% |
0.000% |
| Property Management Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Annual Operating Expenses |
$4,387 |
$4,519 |
$4,654 |
$4,794 |
$4,938 |
| Net Operating Income |
1 |
2 |
3 |
4 |
5 |
| Net Operating Income (NOI) |
$9,668 |
$9,958 |
$10,257 |
$10,564 |
$10,881 |
| Mortgage |
1 |
2 |
3 |
4 |
5 |
| Total Annual P&I Payments |
$6,059 |
$6,059 |
$6,059 |
$6,059 |
$6,059 |
| Principal |
$771 |
$827 |
$886 |
$951 |
$1,019 |
| Interest |
$5,288 |
$5,233 |
$5,173 |
$5,109 |
$5,040 |
| Loan Balance at End of Year |
$75,125 |
$74,298 |
$73,412 |
$72,461 |
$71,442 |
| Loan-To-Value |
76.881% |
73.820% |
70.815% |
67.862% |
64.959% |
| Private Mortgage Insurance (PMI) Rate |
0.000% |
0.000% |
0.000% |
0.000% |
0.000% |
| Private Mortgage Insurance Dollar |
$0 |
$0 |
$0 |
$0 |
$0 |
| Equity |
1 |
2 |
3 |
4 |
5 |
| ARV - Loan Balance at End of Year |
$22,591 |
$26,349 |
$30,255 |
$34,316 |
$38,538 |
| Cash Flow |
1 |
2 |
3 |
4 |
5 |
| Annual Cash Flow |
$3,609 |
$3,899 |
$4,198 |
$4,505 |
$4,822 |
| Monhtly Cash Flow |
$301 |
$325 |
$350 |
$375 |
$402 |
| Cash on Cash Return on Investment |
0.181% |
0.196% |
0.211% |
0.226% |
0.242% |
| Cap Rate |
|
|
|
|
|
| DSCR |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
| Negative Cash Flow |
$0 |
$0 |
$0 |
$0 |
$0 |
| Cumulative Negative Cash Flow |
$0 |
$0 |
$0 |
$0 |
$0 |